Fifteen
percent of husbands and 28 percent of wives have no life insurance.

6
million households (ten percent of families with children under 18)
have no life insurance or term life insurance protection.

The
percentage of families with dependent children that admit they'll have
immediate trouble with everyday living expenses is 22 percent. Another
26 percent say that if a primary wage earner dies they'll only be able
to cover expenses for a few months.

Many U.S.
couples are underinsured

The
average amount of life insurance coverage on insured husbands is
$235,600. The average amount of life insurance coverage on insured
wives is $147,800.

Insured
husbands in the U.S. carry enough life insurance to replace their
income for only 4.2 years, and wives for only 4.9 years. To meet the
expert recommendation of having enough life insurance to replace income
for a term of 7 to 10 years, the typical married couple would need to
double its current coverage.

The
percentage of married parents that believe their current life insurance
protection is inadequate is 56 percent.

Are the Insurance Exams different state to state?

Yes! Be very careful when preparing for your exam to make sure
the material
you study is Georgia specific. There are many insurance schools out
there
that offer generic study materials that are NOT specific to the GA
exam. The
course you study MUST be Georgia specific. Our online courses were
created
specifically to satisfy the Georgia pre-license requirement and
prepare you
to pass your Georgiainsurance exam on your first attempt.

What content do the GeorgiaInsurance tests cover?

The Georgiainsurance tests are very broad. The Georgia
Department of
Insurance creates and published exam outlines that are referred to as
“Educational Objectives” for each exam. You can view and
print the Educational
Objectives for each and every exam by typing “Educational
objectives” into the
search box on the Georgia Department of Insurance website homepage
at www.insurance.ca.gov.
All of our course content was created to reflect the most recent copy
of the
Georgia Educational Objectives.

Do I need a sponsor to take a GeorgiaInsurance exam?

No. You do not need a sponsor. In order to sell insurance in
Georgia you
do need to be appointed by an insurer. However, you do not need to be
appointed
to schedule your exam.

How do I schedule my insurance exam?

You can schedule your exam prior to completing our online
pre-licensing
course. This way you can ensure the date you select is shortly after
your
completion of our course so the information is still fresh in your
mind. You
will schedule your exam on the Georgia Department of Insurance
website (www.insurance.ca.gov).
You must fill out an electronic license application and pay both your
licensing
fee and testing fee during registration. Once the DOI has received your
application and fees they will notify you via e-mail that you can
select a test
date on their site. You can obtain more detailed information about
scheduling
your exam by typing “FLASH” into the search box on the
Georgia Department of
Insurance website.

What should I bring to the test center the day of my
Insurance Exam?

You should bring your Key Facts from our GeorgiaInsurance
Licensing
course to re-read just prior to going in to take your Georgiainsurance
exam. This will load your memory for the test. They will provide you
with a
pen/pencil, scratch paper, and basic function calculator at the test
site. Make
sure to write down your cheat sheet on your scratch paper when you sit
down at
your cubicle prior to starting your insurance license test. This will
allow you
to refer back to it whenever you need to during the exam.

If I don’t pass is there any waiting period that
applies before I can
retake the insurance licensing exam?

No, there is no waiting period before you can re-test.
However, each time a
candidate retakes the exam another full testing fee is required ($41
for most
exams).

What do the question on the GeorgiaInsurance exams look
like?

Here are two GeorgiaInsurance Licensing Exam questions
that come from
our materials that are very similar to the formatting and content of
the
questions on the exam:

Life Agent

1. On a Major Medical Expense policy, the purpose of
co-insurance is to

Require the insured to pay most
of the claim

Require that the insured and the
insurer share the claim after the deductible has been paid

Require the insured to pay a
small co-payment per office visit

Encourage preventative care

Fire & Casualty

2. Jan has a PAP that provides full coverage for her car.
Naomi has a PAP
that covers her car for liability only. If Jan is involved in an
at-fault
accident while driving Naomi’s car, how will coverage be
allocated:

Jan’s policy is primary
for both Bodily Injury to others and Collision damage to Naomi’s
car

Naomi’s policy is excess
for both Bodily Injury to others and Collision damage to her car

Jan’s policy is excess for
Bodily Injury to others but primary on the Collision damage to
Naomi’s car

Naomi’s policy is primary
for Bodily Injury to others, but neither policy will cover the
Collision damage to Naomi’s car

Answers and explanations to the above questions as found in
our
comprehensive Insurance exam prep online video and print materials as
follows:

B Major Medical
Expense policies require that the insured pay a percentage of a claim
(usually 20%) after the deductible has been paid, which discourages
preventative care and over utilization of medical services. It is HMOs
that encourage preventative care by charging only small co-payments per
office visit.

C Remember, the
owner’s policy is always primary. Naomi is the owner of the car
and Jan is the driver. Naomi’s PAP states that she can loan her
car to anyone she wants, and her policy will be primary. Jan’s BI
coverage will be excess, if needed. However, since Naomi does not have
Collision coverage on her own car, Jan’s policy will become
primary for that coverage, since her policy states that she is covered
to drive anyone else’s car, with their permission.

FREE GEORGIA INSURANCE EXAM TEST PASSING TIPS/TRICKS

The GeorgiaInsurance exam testing tips below have been
compiled by our
GeorgiaInsurance Exam instructors which have over 35 years of
Insurance
exam training experience and are provided for FREE to anyone taking a
GeorgiaInsurance exam as a thank you for visiting our site. Please
make
sure to tell anyone you know about our site so they too can view these
Georgiainsurance exam study tips prior to taking their test.

How to prepare for your GeorgiaInsurance exam:

Your preparation for the exam is crucial. You cannot simply
attend a lecture
class or read a book and pass the test. You MUST understand the
concepts the
exam is based upon.

How you know who has the best GeorgiaInsurance Exam Prep
course:

The best way to find out who has the most exam specific
Insurance exam study
course in Georgia is to ask what their first time pass ratio is.
Every
provider that is approved to offer courses in GA can obtain their
specific pass
ratio from the Georgia Department of Insurance. Ours is posted on
our
homepage.

Another good way to determine if a provider has a quality
program is to
check the provider’s student feedback. You can view ours by
clicking our
testimonials link at the top of the page. If a company does NOT have
testimonials from students who have taken the GeorgiaInsurance test
recently and passed, how can you be certain you will? We have trained
thousands
of individuals to pass GeorgiaInsurance Exams. Our online Insurance
Exam
courses have everything that you need to pass your exam on your first
attempts
including hours of online videos instruction.

How to know you are ready for the Insurance exam:

You should be able to pass all the exams included in our study
materials
until you can score a minimum of 90% or better, understanding why the
correct
answer is correct, and the incorrect answers are incorrect.

TESTIMONIALS

“My first try with an online course and what a pleasant
surprise …I passed on the first
attempt!”

“I tried another online school and failed the state test. A.D. Banker truly put me in a position to pass
– and I did!”

“A.D. Banker was recommended by my brother in Texas.He was right when he said “these guys are
professionals since 1979”.”

“We selected A.D. Banker to present Long Term Care
Partnership to our 800+ agents statewide.Both classroom and online made A.D. Banker the only choice.What a good one it was!”

“The owner, Gary Bobo, made all the difference with his
personal attention through the entire process.”

“Getting licensed was only half of what I got from A.D.
Banker.They also referred me to several
companies and I was hired.”